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My First Credit Card!!!

LuckyDyme

LuckyDyme

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YAY!! I jus got it today and so excited!! I jus wanted to know if it was a good idea to use it to buy DVDs online and I also wanted some peoples opinions like I wanted to join at least one porn site and get a membership like whats the best one to join here is what I was thinking of joining.....

Streetlife.com
MenAtPlay.tv
Papithugz.com
thugbait.com
circlejerkboys.com

But I jus can't pick!!! Anyways another question was has anyone ever done this like is there spam like do they keep on charging? Cuz I don't want no trouble like continuous charges and stuff please I need opinions.
 
Congrats on your new card! Be careful, my friend. Online purchase are usually safe, and you normally have back up from your credit card company from fraudelent purchases. At the same time, if you're going to purchase membership to "Adult sites" check carefully the fine print! Some have the option to a one time purchase, but most have the recurring charges, billed thru a third party like "CCBL" or something else. Just read everything before you decide. Good luck!
 
First of all be very careful with that plastic money. I have seen many good people get totally screwed due to irresponsible use of credit cards. I recommend that if there is something you want to buy, then make sure you have the money for it first, then pay it off immediately with that money.

Any sites that you may join read the terms of service very carefully and fill out the application slowly and check all boxes. Many web sites used to pay for membership, cell phone bills, etc will have the automatic repayment box pre-checked. So make sure that you double check everything and if that box is checked, then uncheck it.

I have one credit card to my name, it has a low line of credit and is strictly for emergencies. Every once in awhile I will do as I mentioned above and will use it to pay for my cell phone or cable bill, but then immediately go to my online bill pay with my bank and set up the payment to go out in two weeks from the date of the charge. Keeps the card active, helps the credit rating and keeps my ass out of trouble. I orginally got the card while living overseas and got it incase there was a family emergency and I needed to get home. I have probably paid more in the annual fee than I have charged on it, but the peace of mind is worth it.
 
Pegasus69 said:
First of all be very careful with that plastic money. I have seen many good people get totally screwed due to irresponsible use of credit cards. I recommend that if there is something you want to buy, then make sure you have the money for it first, then pay it off immediately with that money.

Any sites that you may join read the terms of service very carefully and fill out the application slowly and check all boxes. Many web sites used to pay for membership, cell phone bills, etc will have the automatic repayment box pre-checked. So make sure that you double check everything and if that box is checked, then uncheck it.

I have one credit card to my name, it has a low line of credit and is strictly for emergencies. Every once in awhile I will do as I mentioned above and will use it to pay for my cell phone or cable bill, but then immediately go to my online bill pay with my bank and set up the payment to go out in two weeks from the date of the charge. Keeps the card active, helps the credit rating and keeps my ass out of trouble. I orginally got the card while living overseas and got it incase there was a family emergency and I needed to get home. I have probably paid more in the annual fee than I have charged on it, but the peace of mind is worth it.
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Aww thank you so much for the advice I will surely take it to heart and keep it in my mind thank you very much.
 
Off topic, but I love your sig!
 
Yes, I second Pegasus...it's easy to let them get away from you, I lost 10 years to a mountain of debt. I only just recently got a new one and I still haven't activated it yet cuz I'm scared to. I know how I am.

But if you use it responsibly, you're safe with any major porn sites like the ones you listed.

Two things: If you always pay the minimum, you will never pay the card off, it's rigged. And the best way to get good credit (which is something you most definitely do want to use your card for, cuz later good credit will help with houses, loans, cars, and a host of other things) is to run up a small charge every month and then pay ALMOST all of it back. Ironically paying all of it off every month counts against your credit, as it benefits them to be able to charge some interest on you.

Enjoy!
 
Credit cards are really dependent on yoru responsibility. They can be a boon for those who know what to use them for and how often or a totally hidden curse for those who don't. So i wouldn't be too excited. I have a credit card from my parents that I only use for things that are school related like books and groceries (though I'm starting to phase out groceries now that I have my own modest part-time income). Debit is your own money, but it's very easy to wrack up credit card expenses, so be very careful. Don't get trapped.

I would save a personal credit card for very large and thought out/planned expenditures.
 
Lucky, please don't take offense, this new edit rule totally screwed me on this. I am not saying that you are irresponsible in the least, but I know first hand the temptations that these cards cause. That is why I am down to one and only for emergencies and a low credit limit. It was in no way meant to be an assessment of you and your financial management abilities, more so my own damn foolishness and the lesson I learned from that one.
 
From the options you gave i suggest thugbait hands down its an awesome site although im not 100% sure if its real or staged because if you watch some of the episodes carefully you get the idea that the thugs know exactky what is going on and pretending to be upset and freaked out. The thing is whether they are acting or not doesnt factor that much because the thugs are still very sexy and there is no faking there bodies lol.

Streetlife is cool too and they have some hotguys but it has changed over the years. Still worth checking out though.

SO anyways first choice Thugbait then streetlife.

Have fun and tell me all about it later.
 
Don't go too mad with the card... remember you have to pay it off hahaha! I have a few mates who are no in debt to the tune of about £20k because they spend spend spend on their cards! Not me though, I am a good biy :) :-P
 
I still remember my first card. I was 18. It sounded so good and sooo coool. No one else in my group of friends had one at that stage.

Yet, I sensed the temptation and only spent what I could easily pay off. Over the time, this became a habit and I never run into any trouble.

There is no serious life on this planet without a battery of cards. No hotels, no flights, no rented cars, no fast check ins and outs.

My advice> Challenge yourself to be entirely in control and show yourself that you know better than most other dudes around.

A guy who is demonstrably smart with his dough has good chances of being a smart dude, period. Smart is usually very sexy...

SC
 
Pegasus69 said:
First of all be very careful with that plastic money. I have seen many good people get totally screwed due to irresponsible use of credit cards. I recommend that if there is something you want to buy, then make sure you have the money for it first, then pay it off immediately with that money.

Any sites that you may join read the terms of service very carefully and fill out the application slowly and check all boxes. Many web sites used to pay for membership, cell phone bills, etc will have the automatic repayment box pre-checked. So make sure that you double check everything and if that box is checked, then uncheck it.

I have one credit card to my name, it has a low line of credit and is strictly for emergencies. Every once in awhile I will do as I mentioned above and will use it to pay for my cell phone or cable bill, but then immediately go to my online bill pay with my bank and set up the payment to go out in two weeks from the date of the charge. Keeps the card active, helps the credit rating and keeps my ass out of trouble. I orginally got the card while living overseas and got it incase there was a family emergency and I needed to get home. I have probably paid more in the annual fee than I have charged on it, but the peace of mind is worth it.
Click to expand...


THATS VERY WISE ..|
 
Do not use it unless you can pay it off in full at the endd of the month. You never know what lies ahead...
 
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